NOTE: All the above annotations negatively affect the credit score and should be considered for dispute.

You can also use payment history codes to identify derogatory items:

R – Revolving (usually a credit card)
I – Installment (like mortgage or auto loan)
R2 or I2 = 30 days late
R3 or I3 = 60 days late
R4 or I4 = 90 days late
R5 or I5 = 120 days late
R7 or I7 = making regular payments under wage earner plan
R8 or I8 = repossession
R9 or I9 = charge off